For a single person buying a home, Sabugal works out cheaper. A home in Sabugal costs €30,000 less.
You will
Household
Transport
60 m²
More adjustments
GuardaSabugal
Estimated home price · 60 m²€55,020Δ €30,000€25,020
On the day you buy
Down payment€5,502€2,502
Transfer tax (IMT)€0€0
Stamp duty · purchase€440€200
Stamp duty · loan€297€135
Total upfront€6,239€2,837
Monthly payment€191€87
Mortgage payments35 years at 3.00% · 90% financed
€2,287€1,040
€1,247less in Sabugal
Property tax (IMI)1VPT estimated at 50% of price
€103€38
€65less in Sabugal
Water, sewage and wasteOfficial tariffs · 4 m³/month
€244€169
€75less in Sabugal
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasGuarda: network · Sabugal: bottle
€209€360
€151less in Guarda
Income tax refunded by the municipalityGuarda gives back 1.3%, Sabugal gives back the 5%
€25€100
€75less in Sabugal
Total per yearItems with data for both
€3,197€1,885
€1,312less in Sabugal
1 Property tax estimated using a taxable value (VPT) of 50% of market price. Enter the VPT from your property record for an exact figure.
Average rate on new housing loans: 3.00% (August 2026, Banco de Portugal).
Source: Portal das Finanças, taxas de IMI por município · 2025 · Source: Portal das Finanças, participação dos municípios no IRS · 2026 · Source: INE · 2nd quarter of 2026 · Energy: ERSE, October 2026
Beyond the cost
Mortgage payment ÷ 1 × local median gross salary
16%8%
8%better in Sabugal
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+38%+39%
1 pointsrose more in Sabugal
Crime rateRecorded crimes per 1 000 residents
24.2/100039.8/1000
15.6/1000better in Guarda
Average commuteOne way to work or school
15 min16 min
1 minbetter in Guarda
Average salary (gross)Average monthly earnings, by place of work
€1,452/month€1,172/month
€280/monthbetter in Guarda
Median salary (gross)Half of workers earn less than this, by place of work
€1,156/month€1,023/month
€133/monthbetter in Guarda
Purchasing power (Portugal = 100)Per-capita index
95.965.3
30.6better in Guarda
PharmaciesPer 1,000 people
0.30/10001.00/1000
0.70/1000better in Sabugal
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
4.8 km28.5 km
23.7 kmbetter in Guarda
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
